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Debtor Finance Calculator

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Your Debtor Finance Summary
Funding Line Available
$120,000
Immediate Cash Available
$96,000
Monthly Cost
$250
Annual Cost
$3,000

Cost Analysis

ItemMonthlyAnnualNotes

Cash Flow Impact Analysis

ScenarioAvailable NowWaiting 45 DaysOpportunity Cost

How It Works

Debtor finance (invoice financing) allows you to access cash against unpaid invoices, improving cash flow without waiting for customer payments.

You receive up to 80-90% of invoice value immediately, with the remainder paid when your customer settles.

Tip: Debtor finance is ideal for growing businesses with strong sales but extended payment terms that strain cash flow.

Key Benefits

  • Immediate cash access
  • No equity dilution
  • Flexible facility size
  • Matches cash flow to sales
  • Supports business growth
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Disclaimer: This calculator provides estimates only. Debtor finance rates, advance rates, and facility fees vary by lender and invoice type. Please consult with a qualified financial advisor for personalized rates.

Frequently Asked Questions

What is debtor finance?+

Debtor finance (also called invoice factoring or invoice finance) allows you to access up to 80-90% of the value of your outstanding invoices immediately, rather than waiting 30-90 days for customers to pay. It's a cash flow solution, not a loan - your invoices serve as the asset.

How much does debtor finance cost?+

Debtor finance typically costs 1-3% of the invoice value per month, plus a service fee of 0.5-1.5%. While more expensive than traditional loans, it provides immediate cash flow without requiring property security and grows with your sales volume.

Who should use debtor finance?+

Debtor finance suits businesses with B2B customers on 30-90 day payment terms, growing businesses that need cash flow to fund growth, seasonal businesses with cash flow gaps, and businesses that can't access traditional bank finance. It's particularly useful when slow-paying customers constrain growth.

Important Disclaimer & Assumptions

Assumptions: Advance rates and fees vary by industry, debtor quality, and facility size. The effective cost depends on how quickly your debtors pay. Not all invoices may be eligible for funding. Concentration limits may apply.

General Disclaimer: This calculator is provided by Mortgage & Finance Advisory (Credit Representative 575841 of Connective Credit Services Pty Ltd, Australian Credit Licence 389328) for illustrative and educational purposes only. Results are estimates based on the information you provide and the assumptions listed above. They do not constitute financial advice, a loan offer, or a guarantee of any outcome.

Actual loan terms, interest rates, fees, government charges, and eligibility criteria will vary between lenders and depend on your individual circumstances. Interest rates used are for comparison purposes only and may not reflect current market rates.

We recommend seeking independent financial, legal, and tax advice before making any financial decisions. For personalised advice tailored to your situation, please book a free strategy call with our team.

© 2026 Mortgage & Finance Advisory. All rights reserved. ABN: 90 732 203 952 | Credit Representative 575841 of Connective Credit Services Pty Ltd, Australian Credit Licence 389328